Products/Services

The Credit Union offers the following financial services and products to our members:

Share Savings Accounts*

   Regular Share Savings.  Pays quarterly dividends.  Withdrawals may be made from these accounts at any time.  Dividend rates are established by the Board of Directors at the monthly meeting prior to the end of the quarter when dividends are payable.

   Kirby Kangaroo® Club for Members up to Age 12.  Pays quarterly dividends.  Withdrawals may be made from these accounts at any time.  Dividend rates are established by the Board of Directors at the monthly meeting prior to the end of the quarter when dividends are paid.  For complete details and benefits of this account, please contact the credit union.

   CU Succeed® is for Members Age 13 to 18.  Pays quarterly dividends.  Withdrawals may be made from these accounts at any time.  Dividend rates are established by the Board of Directors at the monthly meeting prior to the end of the quarter when dividends are paid.  For complete details and benefits of this account, please contact the credit union.

Premium Share Accounts*

   Premium Share Accounts are available in a variety of time lengths from six months to sixty months, unless otherwise noted.  The minimum deposit for these types of accounts is $1,000.00, unless otherwise noted.  The rates are established monthly by the Board of Directors at their regular monthly meeting.

Share Draft Checking Accounts

   Regular Share Draft Checking Account

  • No Minimum Balance Requirements

  • No Monthly Service Fee

  • No Draft Writing Limits

  • Monthly Statement

  • Direct Deposit, available on many payrolls.

  • Direct Debits of many automatic payments such as insurance premiums

  • Overdraft Protection from Savings

  • Online Check Ordering

  • Debit Card, Optional and if Qualified

  • Online Account Access

   Preferred Share Draft Checking Account

  • $1000 Minimum Balance Required to Avoid Monthly Fee of $5 and to earn Dividend

  • Monthly Dividend

  • No Draft Writing Limits

  • Monthly Statement

  • Direct Deposit available on many payrolls

  • Direct Debits of many automatic payments such as insurance premiums

  • Overdraft Protection from Savings, Optional

  • Online Check Ordering

  • Debit Card, Optional

    Click here for more information regarding Share Draft Checking Accounts

Club Accounts*

   The credit union currently offers the following club savings accounts:

  • President's Club - January
  • Groundhog Club - February
  • Spring Club - March
  • Vacation Club - April
  • May Club - May
  • Summer Club - June
  • Back To School Club - July
  • Real Estate Tax Club - August
  • Hunt Club - September
  • Christmas Club - October
  • Turkey Club - November
  • New Years Club - December 

These accounts payout on the last business day of the month and are deposited to the members savings account.

*For rate information click here or the Current Rates button at the left.

Truth In Savings Disclosure

 

The Credit Union offers the following types of loans to it's members:

Auto Loans*                                      (Online Loan Application)

   The credit union offers auto loans for new and used vehicles.

Signature Loans*                                (Online Loan Application)

   Any loan secured by your signature, demonstrating your ability to repay, for a worthwhile purpose.

Share Secured Loans*                        (Online Loan Application)

   Any loan secured by your shares on deposit equal to the loan balance.  This type of loan carries a lower interest rate.

Collateralized Loans*                            (Online Loan Application)

   Any loan secured by appliances, furniture, recreation titles, etc.

VISA Classic & VISA Platinum**

  • Low annual percentage rate:  With one of the lowest APR's around, our VISA card can save you significant money if you carry a balance from month to month
  • Worldwide acceptance:  Millions of merchants around the globe accept our card.
  • Fast emergency cash:  Get cash advances at hundreds to thousands of ATM locations and financial institutions the world over that bear the VISA logo.
  • Travel accident insurance:  You and eligible family members are automatically covered every time you charge your common carrier tickets (airplane, train, bus, or ship) with your KVCCU VISA card.

        *For rate information click here or the Current Rates button at the left.

        **Click here for VISA Credit Disclosure.

Money Orders and Cashiers Checks

We offer Money Orders up to $1,000.00 for a fee of $.50 per Money Order and Cashier's Checks for a fee of $4.00 per Cashier's Check

Savings Bonds

            We sell and redeem U.S. Savings Bonds

Other Services

    Notary Service

    Copy Service-.05¢ per page

    Fax Service-$1.00 for first page, each additional page is .50¢

    Optional Credit Disability Insurance on loans

    Optional Credit Life Insurance on loans

    Optional GAP Insurance on Vehicle Loans

    Holiday World/Splashin' Safari Theme Park Discount Tickets

    American Express Traveler's Cheques - 1 or 2 Signatures

    American Express Gift Cheques

    

 

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Copyright © 2007 Kaskaskia Valley Credit Union Last modifiedJune 03, 2008      WARNING!  KASKASKIA VALLEY COMMUNITY CREDIT UNION DOES NOT SOLICIT PERSONAL/PRIVATE INFORMATION VIA E-MAIL.  IF YOU THINK YOU HAVE BEEN CONTACTED BY FRAUDULENT MEANS, PLEASE CONTACT US at 618-533-6681